Cheap Car Insurance in Texas After a Speeding Ticket
State Farm is the cheapest company in Texas for drivers with speeding tickets, with an average liability-only coverage rate of $55 per month.
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Written byCatherine Hiles
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Catherine HilesInsurance, Personal Finance Writer
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Edited byKatie Powers
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
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Reviewed byMacKenzie Korris
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MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
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Getting a speeding ticket in Texas can increase your car insurance rate by approximately 26%. State Farm and Allstate offer the cheapest liability-only coverage rates in Texas for drivers with speeding tickets. In some cases, Texas law allows you to dismiss a speeding ticket by taking a defensive driving course, but you still have to pay a fine.[1]
Keep reading to learn how a speeding ticket affects your car insurance in Texas, plus how to lower your car insurance rates.
Quick Facts
Full-coverage car insurance costs $258 per month after a speeding ticket in Texas, while liability-only coverage costs $138.
On average, Texas drivers with speeding tickets pay $198 per month compared to drivers with a clean driving record, who pay $158 per month.
The Texas Department of Public Safety may suspend your license if you have four or more moving violations within 12 months.
Cheapest car insurance after a speeding ticket in Texas
Shopping around and comparing quotes is the best way to find affordable car insurance after a speeding ticket in Texas.
The following table shows the average monthly rates in Texas for drivers with speeding tickets compared to drivers with clean records. For example, a speeding ticket increases State Farm’s full-coverage rate from $85 to $108 per month.
The below rates in Texas are estimated rates current as of: Sunday, June 7 at 5:00 PM PDT.
Insurance Company  | Average Full-Coverage Quote: With Clean Record | Average Full-Coverage Quote: With Speeding Ticket |
|---|---|---|
| State Farm | $85 | $108 |
| Progressive | $119 | $149 |
| Allstate | $120 | $156 |
| Mile Auto | $140 | $170 |
| Mercury | $138 | $191 |
| GEICO | $147 | $193 |
| USAA | $152 | $196 |
| Root | $168 | $201 |
| Safeco | $169 | $222 |
| GAINSCO | $187 | $224 |
| Elephant | $186 | $224 |
| Alinsco | $179 | $224 |
| Clearcover | $176 | $225 |
| Direct Auto | $180 | $226 |
| National General | $192 | $240 |
| Bristol West | $195 | $246 |
| Nationwide | $191 | $248 |
| AssuranceAmerica | $198 | $253 |
| Commonwealth Casualty | $213 | $254 |
| Mendota | $206 | $258 |
| First Acceptance | $215 | $270 |
| The General | $202 | $271 |
| Loop | $220 | $276 |
| Sun Coast | $222 | $278 |
| Lone Star | $223 | $280 |
| Covercube | $237 | $297 |
| Dairyland | $243 | $303 |
| Chubb | $258 | $329 |
| Liberty Mutual | $270 | $345 |
| Trexis One | $283 | $355 |
| 21st Century | $298 | $393 |
Disclaimer: Table data sourced from real-time Texas car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Texas may vary based on the policy buyer's unique driver profile.
Remember that insurer rating models and differences in driver profiles can mean a company that’s cheap for one driver may not be the best for another.
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Monthly rates start at $55 for drivers with a ticket
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How much does a speeding ticket increase insurance in Texas?
A speeding ticket can increase insurance premiums by around 26% in Texas. For example, full-coverage car insurance costs $207 per month for a driver with a clean record and $260 after receiving a speeding ticket, according to Insurify data.
The exact difference in premiums depends on several factors. Insurers also consider your previous driving record, the number of tickets you’ve received, and the severity of the infraction when calculating your premiums.
The table below lists the average full-coverage and liability-only costs for Texas drivers, and the differences between drivers with clean records and drivers with speeding tickets.
Driver Profile | Average Monthly Rate: Full Coverage | Average Monthly Rate: Liability Only |
|---|---|---|
| Clean record | $207 | $111 |
| Speeding ticket | $260 | $139 |
| Difference | $53 | $28 |
Disclaimer: Table data is based on real-time Texas quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Some insurers may offer accident forgiveness or infraction forgiveness and may not penalize you for a speeding ticket the same way as another insurer might.
Texas DMV laws and how speeding tickets affect car insurance
A speeding ticket usually increases car insurance rates because it suggests you’re a higher risk to insure. Speeding fines in Texas vary by county. Harris County, for example, has a $135 fine for driving at an unsafe speed. In Bexar County, speeding fines start at $190 and go up to $336.
Texas doesn’t assign points for a speeding ticket, but the state Department of Public Safety may suspend your driver’s license if you receive four or more speeding violations over 12 months or seven or more violations over 24 months.[2] [3]
Texas law lets drivers dismiss one eligible ticket per year by taking a driver safety course and paying a fine. If you go this route, the ticket shouldn’t affect your insurance rate since it won’t appear on your driving history. But this isn’t an option if the police caught you going more than 25 miles per hour above the posted speed limit or speeding in a school zone.
How long does a speeding ticket stay on your record in Texas?
The exact amount of time a speeding ticket stays on your record in Texas depends on your insurer. Insurance companies generally pull a three-year record, which shows any tickets you received during that period.[4]
That means your ticket should drop off your record after three years, as long as you haven’t gotten any additional tickets in that time.
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How to lower your car insurance rate after a speeding ticket in Texas
A speeding ticket might make your insurance costs more expensive, but you can still reduce your premiums. The following tips can help you lower your car insurance rate after a speeding ticket in Texas:
Take a defensive driving course
Texas law lets drivers dismiss certain speeding tickets by taking a driving safety course. If you’re eligible, you’ll receive a notice from the Texas court system, which will list the date you must complete the course by.
Compare quotes
Every insurer weighs speeding tickets differently, so you may find cheaper coverage through another insurer. The Texas Department of Insurance has a comparison program that pulls quotes from 25 different insurers.
Ask about car insurance discounts
Your insurer may offer insurance discounts for safe driving, insuring multiple cars, maintaining low mileage, or maintaining a good grade point average (GPA) as a student.
Do speeding tickets affect car insurance in Texas FAQs
Understanding how speeding tickets affect car insurance in Texas helps you understand your premiums. The following questions and answers can help.
How much does insurance go up after a speeding ticket in Texas?
Auto insurance premiums increase by around 26% after a speeding ticket in Texas, according to Insurify data.
How long do speeding tickets stay on your insurance in Texas?
Speeding tickets stay on your insurance for between three and five years in Texas, depending on the insurer.
Will your insurance increase if you get three points on your license in Texas?
Texas no longer uses a points system for moving violations. Instead, the state tracks how many traffic violations you receive within a 12- and 24-month period. Having a speeding ticket on your record can result in a rate increase.
Will a speeding ticket affect your ability to switch car insurance companies in Texas?
It’s possible. A speeding ticket may affect your ability to switch car insurance companies in Texas because it shows you’re a higher-risk driver.[5] A speeding ticket on your driving record can lead to higher insurance premiums or, in some cases, insurers refusing to sell you an insurance policy.
Comparing multiple insurers is the best way to find an insurer that will write you a policy and provide an affordable quote.
What is the best insurance company in Texas for drivers with speeding tickets?
State Farm and Allstate have some of the lowest liability-only auto insurance rates for Texas drivers with speeding tickets. But the best insurance company for you will depend on your personal profile and driving history.
Sources
- Texas.gov. "Taking a Driving Safety (Defensive Driving) Course."
- Texas Department of Public Safety. "Driver Responsibility Program Surcharge Repeal FAQ's."
- Texas Department of Public Safety. "Traffic Offenses."
- Texas Department of Public Safety. "How to Order a Driver Record."
- Texas.gov. "Auto insurance guide."
Methodology
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Catherine HilesInsurance, Personal Finance Writer
16+ years in personal finance and insurance writing
Certified Financial Education Instructor
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969